Head of Financial Planning & Analyses

About Us

We are a fast-growing UK-based Fintech alternative lender specializing in residential Buy-to-Let (BTL) bridging loans and real estate financing. Our mission is to deliver Sharia compliant flexible technology-driven solutions to underserved segments of the UK property lending market. With significant institutional backing and a maturing funding platform including warehouse lines private credit and securitizations we are poised for strong growth.
Role Overview

We are seeking a highly skilled and motivated Head of Financial Planning & Analyses to join our finance team. This is a key role supporting strategic financial planning forecasting and performance analysis across our lending portfolios and structured funding vehicles.

You will work closely with the CFO and senior leadership to provide analytical insights maintain robust Excel-based financial models and support /act as the finance business partner. You will assist in modelling out funding strategies and the impact thereof. This is a unique opportunity to be part of a high-growth innovative lender where you will gain exposure to securitization structures warehouse funding and capital markets.
Key Responsibilities

Financial Planning & Forecasting

• Develop and maintain detailed financial forecasts and business models across multiple lending products (BTL Bridging etc.)
• Lead the annual budget process and rolling forecasts ensuring alignment with strategic objectives
• Prepare financial projections for internal and external stakeholders including investors and funding partners

Performance Analysis & Reporting

• Analyse loan book performance profitability by product and portfolio KPIs
• Provide monthly variance analysis board reporting packs and scenario modelling
• Track and report on loan originations redemptions delinquencies NIM/NPM and monitor lender covenants

Funding & Securitisation Support

• Provide financial modelling and analytics support for warehouse funding lines Securitisation vehicles and SPVs
• Liaise with treasury and capital markets teams to evaluate funding structures and funding costs
• Support covenant monitoring stress testing and investor reporting requirements

Business Partnering & Strategy

• Act as a finance business partner to credit risk treasury and operations teams
• Contribute to new product development and strategic initiatives by providing financial insight and modelling
• Evaluate financial implications of pricing risk and operational decisions.

Key Requirements
Qualifications & Experience
Technical & Analytical Skills
Personal Attributes

• Qualified accountant (ACA ACCA CIMA or equivalent)
  
• Minimum 5 years of relevant experience in FP&A structured finance lending or related financial services
  
• Prior experience in a lending environment (BTL bridging real estate finance or mortgages)
  
• Exposure to warehouse funding lines securitisations and special purpose vehicles (SPVs)
  
• Advanced Excel modelling skills (loan performance cashflow waterfalls stress scenarios funding cost models)
  
• Strong understanding of lending products credit risk metrics and portfolio analytics
  
• Comfortable handling large datasets and using BI tools (Power BI Tableau or similar desirable)
  
• Commercially minded with the ability to think strategically while being detail-oriented
  
• Self-starter comfortable working in a dynamic fast-paced environment
  
• Strong communication skills able to convey complex financial topics clearly
  
• High integrity professionalism and discretion with sensitive financial data.

What We Offer

• Opportunity to shape the financial strategy of a high-growth Fintech lender
  
• Exposure to complex funding structures and capital markets
  
• Dynamic entrepreneurial environment with excellent learning and career development potential
  
• Competitive salary performance bonus and benefits package